You’re planning a birthday party. This year, you want to keep things simple with a paired down guest list of 50 people, a simple wine bar, and a few party platters. What could possibly go wrong?
Well, a few things, it turns out. Here are some of the top reasons you might just want to insure your next birthday party:
1 . House parties over a certain number aren’t insured by your homeowner policy. So, if anything goes wrong - from food poisoning to one of your tipsy guests tripping on your garden gnome - you could be sued.
Adult birthday party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest. Same goes if you’re planning a holiday party!
2. If you’re throwing your birthday party at a local venue, you’ll likely need to purchase insurance, which is required by most venues. Be sure to speak to the venue about the level of coverage you’re required to obtain. And even if you decide on having your birthday party at a local park, there are good reasons to consider purchasing insurance for a picnic party, too.
3 .You’re all set to get the party started with your rented sound system, and a few extra tables, chairs and a party tent you’ve brought in to make the bash extra special. Technically, you are responsible for anything that happens to any of your party rentals. So, if your guests get a little wild, blast out the speakers, rip the tent, or break the chairs, good news: birthday party insurance covers the costs of any damages to your rented party equipment.
4. Do your generous friends tend to lavish you with expensive gifts? Well, birthday party insurance covers you here, too, if any of the gifts are stolen. Believe us, party theft happens a lot more often than you’d like to think.
While insurance may not be top of mind when you’re planning a birthday party, there really are countless ways it can save you money, help you avoid hassles with your vendors, and even prevent conflicts with any potentially injured friends or family.So, when you get down to planning your next big bash, be sure to check out our online adult's birthday party insurance. You can obtain coverage online in a few minutes with no